Banking Almanac: Georgia

Banking Almanac: Georgia

As of and for the Twelve Months Ended March1, 2021

Porter White & Company

Investment Bankers Since 1975

Porter, White & Company

Table of Contents

I. Alphabetical City Year Established Charter Type Parent Total Assets Equity / Assets After-Tax Return on Average Assets After-Tax Return on Average Equity Nonperforming Assets to Total Assets

II. Total Assets City Total Loans Total Deposits Total Equity Tier 1 Leverage Ratio Number of Offices Number of Employees Assets per Employee Assets per Office Deposits per Office Total Assets

III. Net Interest Margin City Total Assets Loans / Deposits Securities / Assets Loan Growth Deposit Growth Yield on Loans Yield on Securities (TE) Cost of Funds Net Interest Margin

V. Non-Interest Expense City Total Assets Assets per Employee Efficiency Ratio Personnel Expense / Average Assets Occupancy Expense / Average Assets Other Non-Interest Expense / Average Assets Total Non-Interest Expense / Average Assets

VI. Asset Quality City Total Assets Gross Loans Adjusted Texas Ratio Other Real Estate Owned Reserve for Loan Losses / Loans Excl HFS Provision Expense / Average Assets Adjusted Loans 30-89 Days Past Due / Loans Excl HFS Adjusted Loans 90+ Days Past Due / Loans Excl HFS Adj. Nonperforming Loans + Adj OREO / Gross Loans + OREO Net Charge-offs / Average Loans Asset Quality Score

VII. Pre-Tax Return on Average Equity City Total Assets Total Equity Equity / Assets Net Income for Twelve Months Ended March 31, 2021 Net Income per Employee Net Income for Twelve Months Ended March 31, 2020 Net Income for Twelve Months Ended March 31, 2019 Pre-Tax Return on Average Assets Pre-Tax Return on Average Equity

IV. Non-Interest Income City Net Income Non-Interest Income Service Charges/ Average Assets Gain on Sale of Loans / Average Assets Gain on Sale of OREO / Average Assets Other Non-Interest Income / Average Assets Total Non-Interest Income / Average Assets

PW&Co

Porter, White & Company

Notes on Almanac

Data, based on regulatory filings, are furnished by S&P Global Market Intelligence and contain copyrighted and trade secret material distributed under license from S&P. The data are for the recipient's internal use only.

All data are as of and for the twelve months ended March 31, 2021 unless otherwise noted. While the data are believed to be reliable, we have made no attempt to verify its accuracy.

Reported net income figures are not adjusted if an institution is an S-corporation.

ROAA/ROAE figures are marked as Pre-Tax or After-Tax. For S-corps, After-Tax ROAA/ROAE are adjusted to tax-equivalent bases.

Texas Ratio presented in Asset Quality section has been adjusted to exclude the portion of nonperforming assets that are guaranteed by the U.S. government or FDIC. This ratio is calculated as:

NPAs + Loans 90 PD ? Government guarantees Tangible equity + loan loss reserves

Past due, Nonperforming Loan and OREO measures presented in Asset Quality section have been adjusted to exclude the portion of nonperforming assets that are guaranteed by the U.S. government or FDIC.

Asset Quality Score is calculated as follows:

Adjusted Loans 30-89 Days Past Due/Loans Excl HFS + Adjusted Loans 90+ Days Past Due/Loans Excl HFS + Adjusted Nonperforming Loans + Adjusted OREO/Gross Loans + OREO + Net Charge-offs/Average Loans = Asset Quality Score

Michael Stone, CFA (205) 458-9137 michael@

Porter White Community Bank Practice

Mike Murphey (205) 721-8023 murphey@

PW&Co

Porter, White & Company

Georgia Bankers Almanac Peer Comparisons

First Quarter 2021

May 24,2021

Our research indicates that community bank valuations are most impacted by ROA, NPL/Loans1, Efficiency and Loan/Deposit ratios. Bank ranking in these metrics give a rough indication of valuation in today's market. To provide an objective view of these ratios, we used the 147 Georgia banks and S & L's under $2.5 billion in assets that filed Q1 Call Reports, ranked each of the banks by the four bank valuation metrics defined above and segmented the sample set into five equal quintiles. We report the range of measures and average bank asset size (in millions) in each quintile, and color code the quintiles where green is better, and red is worse. We note the source of each bank ratio in each ratio title.

ROA (col 10, Alphabetical)

NPL+OREO/Loans + OREO (col 12, AQ2)

Efficiency Ratio (col 6, Non Int Expense)

Loan/Deposit (col 5, Net Interest Margin)

1As a proxy for NPL/Loans, we used the following formula: NPL + OREO/Gross Loans + OREO. 2 AQ=Asset Quality

4827-2646-2114, v. 1

PW&Co

Rank Institution 1 AB&T 2 Affinity Bank 3 Altahama Bank and Trust Co. 4 American Commerce Bank 5 American Pride Bank 6 Ameris Bank 7 Atlantic Capital Bank, NA 8 Bank of Alapaha 9 Bank of Camilla 10 Bank of Dade 11 Bank of Dawson 12 Bank of Dudley 13 Bank of Edison 14 Bank of Hancock County 15 Bank of Hazlehurst 16 Bank of LaFayette, Georgia 17 Bank of Lumber City 18 Bank of Madison 19 Bank of Monticello 20 Bank of Newington 21 Bank of Wrightsville 22 BankSouth 23 Barwick Banking Company 24 Cadence Bank, N.A. 25 Carver State Bank 26 Century Bank & Trust 27 Century Bank of Georgia 28 CIBC National Trust Company 29 Citizens Bank & Trust, Inc. 30 Citizens Bank of Americus 31 Citizens Bank of Cochran 32 Citizens Bank of Georgia 33 Citizens Bank of Swainsboro 34 Citizens Bank of The South 35 Citizens Community Bank 36 Citizens National Bank, Quitman 37 Citizens Trust Bank 38 Claxton Bank 39 Colony Bank 40 Comm. Bank Co. of Fitzgerald 41 Comm. Bank of Pickens County 42 Commercial Bank 43 Commercial Banking Company 44 Community Bank & Trust 45 Community Bank of Georgia 46 Cornerstone Bank 47 Douglas National Bank 48 Durden Banking Company 49 Elberton FS&LA 50 Embassy National Bank 51 Exchange Bank 52 F & M Bank and Trust Company 53 F&M Bank 54 Family Bank 55 Farmers & Merchants Bank 56 Farmers & Merchants Bank 57 Farmers and Merchants Bank 58 Farmers Bank 59 Farmers State Bank 60 Farmers State Bank 61 First American B&T 62 First Bank 63 First Bank of Coastal Georgia 64 First Bank of Pike 65 First Century Bank, NA 66 First Chatham Bank 67 First FS&LA of Valdosta 68 First IC Bank

ALPHABETICAL

City Albany Covington Vidalia Bremen Macon Atlanta Atlanta Alapaha Camilla Trenton Dawson Dublin Edison Sparta Hazlehurst Lafayette Lumber City Madison Monticello Newington Wrightsville Greensboro Barwick Atlanta Savannah Milledgeville Cartersville Atlanta Trenton Americus Cochran Cumming Swainsboro Sandersville Hahira Quitman Atlanta Claxton Fitzgerald Fitzgerald Jasper Crawford Valdosta LaGrange Baxley Atlanta Douglas Twin City Elberton Lawrenceville Milledgeville Manchester Washington Pelham Eatonton Lakeland Sylvania Greensboro Dublin Lincolnton Athens Dalton Pembroke Molena Commerce Savannah Valdosta Doraville

Charter Corp.

Year Est. Type

Type

1999 ST-Bank C-corp

1928 Fed-Thrift C-corp

1966 ST-Bank S-corp

2004 Fed-Bank C-corp

2007 ST-Bank S-corp

1971 ST-Bank C-corp

1999 Fed-Bank C-corp

1905 ST-Bank C-corp

1890 ST-Bank C-corp

1956 ST-Bank S-corp

1911 ST-Bank S-corp

1905 ST-Bank C-corp

1904 ST-Bank S-corp

1904 ST-Bank C-corp

1906 ST-Bank S-corp

1899 ST-Bank C-corp

1945 ST-Bank C-corp

1890 ST-Bank C-corp

1909 ST-Bank S-corp

1919 ST-Bank C-corp

1897 ST-Bank S-corp

1946 Fed-Thrift C-corp

1934 ST-Bank C-corp

1887 Fed-Bank C-corp

1927 ST-Bank C-corp

1898 ST-Bank C-corp

2000 ST-Bank C-corp

1969 Fed-Bank C-corp

1988 Fed-Thrift C-corp

1937 ST-Bank C-corp

1942 ST-Bank C-corp

1997 ST-Bank C-corp

1900 ST-Bank C-corp

1965 ST-Bank C-corp

1927 ST-Bank S-corp

1934 Fed-Bank C-corp

1921 ST-Bank C-corp

1941 ST-Bank S-corp

1976 ST-Bank C-corp

1996 ST-Bank C-corp

2000 ST-Bank C-corp

1924 ST-Bank S-corp

1929 Fed-Thrift C-corp

1984 ST-Bank C-corp

2004 ST-Bank C-corp

2001 Fed-Thrift C-corp

2001 Fed-Bank S-corp

1935 ST-Bank S-corp

1922 Fed-Thrift C-corp

2007 Fed-Bank C-corp

1903 ST-Bank C-corp

1948 ST-Bank C-corp

1950 ST-Bank C-corp

1931 Fed-Thrift C-corp

1922 ST-Bank C-corp

1907 ST-Bank C-corp

1946 ST-Bank C-corp

1911 ST-Bank C-corp

1934 ST-Bank S-corp

1911 ST-Bank S-corp

1928 ST-Bank C-corp

1996 ST-Bank C-corp

1907 ST-Bank C-corp

1899 ST-Bank C-corp

2002 Fed-Bank C-corp

2002 ST-Bank C-corp

1934 Fed-Thrift C-corp

2000 ST-Bank C-corp

Parent Community Capital Bancshares, Inc. Affinity Bancshares, Inc. Altamaha Bancshares, Inc. American Commerce Bancshares, Inc. American Bancorp, Inc. Ameris Bancorp Atlantic Capital Bancshares, Inc. Alapaha Holding Company Camilla Bancshares, Inc. Tri-States Bankshares, Inc. Dawson Bancshares, Inc. Hogan Investments I, Inc. BOE Bancshares, Inc.

Hazlehurst Investors, Inc. LaFayette Bankshares, Inc.

Madison Bank Corp. Monticello Bancshares, Inc.

Wrightsville Bancshares, Inc. BankSouth Holding Company

Cadence Bancorporation Carver Financial Corporation Century Bancorp, Inc. CBB Bancorp Canadian Imperial Bank of Commerce TAG Bancshares Inc. CBA Bankshares, Inc. Putnam-Greene Financial Corporation Forsyth Bancshares, Inc. Swainsboro Bankshares, Inc.

CCB Bancshares, Inc.

Citizens Bancshares Corporation Southern Bankshares, Inc. Colony Bankcorp, Inc. CBC Holding Company Community Banks of Georgia, Inc. TCB Bancshares, Inc. Lowndes Bancshares, Inc. Community Bankshares, Inc. Community Bank of Georgia, Inc. Cornerstone Bancshares DNB Financial Services, Inc. Durden Bankshares, Inc.

Embassy Bancshares, Inc. Exchange Bankshares, Inc. F & M Holding Company, Inc. Washington/Wilkes Holding Company

Putnam-Greene Financial Corporation FMB Bancshares, Inc. Screven Bancshares, Inc. Putnam-Greene Financial Corporation Farmers Bancshares, Inc. Lincoln Bancshares, Inc. First American Bancorp FBD Holding Company, Inc. Putnam-Greene Financial Corporation

First Century Bancorp. FCB Financial Corp.

First IC Corporation

After-

Total Equity / Tax

Assets Assets ROAA

($000)

(%) (%)

261,725 8.40 0.92

798,401 12.20 0.89

234,603 9.59 1.09

406,300 11.57 1.15

215,440 13.74 0.44

21,337,979 13.86 1.97

3,731,675 10.78 1.18

222,810 8.88 0.37

128,794 13.83 0.72

132,845 9.83 1.35

141,353 16.95 0.94

285,746 10.84 0.85

64,223 7.17 0.13

87,107 19.50 0.53

130,349 13.61 (0.14)

332,273 9.73 0.41

26,354 14.86 0.38

346,824 9.60 1.31

150,230 8.97 1.13

164,779 8.29 0.99

74,542 8.34 0.85

1,087,459 9.38 3.56

60,629 32.69 (4.64)

18,791,544 11.22 1.70

67,252 10.56 0.72

339,990 9.24 1.10

296,200 7.90 1.17

323,741 65.87 14.64

123,769 10.01 0.97

405,046 8.51 0.98

121,093 9.56 0.70

441,688 9.46 1.34

277,377 9.59 1.14

312,463 10.14 0.89

177,054 11.09 0.92

120,134 12.22 1.08

601,255 8.43 0.65

144,235 9.69 0.80

1,795,938 9.51 0.93

222,953 10.22 1.08

475,685 10.52 1.82

344,106 7.85 1.57

320,052 11.42 1.14

92,759 2.36 0.34

163,621 8.66 1.11

213,736 8.72 (0.62)

236,604 9.71 2.17

227,994 14.33 1.74

28,386 18.16 0.09

114,045 16.13 1.10

322,185 11.64 1.12

80,438 4.69 0.38

332,058 14.86 0.93

134,596 10.45 1.07

222,253 12.34 0.42

609,228 5.62 0.34

138,872 14.05 1.06

131,830 12.28 0.47

146,185 11.30 0.95

161,292 14.00 1.31

799,997 8.70 1.00

489,132 9.32 1.63

145,973 13.10 0.64

66,096 7.47 0.57

409,815 17.55 2.09

496,584 8.75 1.11

220,048 13.32 0.02

812,031 10.81 1.20

AfterTax

ROAE (%)

10.74 8.42

10.47 9.96 3.18

14.14 9.83 3.85 4.77

11.83 5.13 7.08 1.52 2.54 (0.93) 3.56 2.51

11.58 11.39 11.54

8.69 37.10 (15.47) 14.54

7.23 10.20 13.08 19.50

9.03 10.91

7.23 13.18 11.37

8.55 7.56 8.30 7.05 7.46 9.28 9.12 16.25 18.08 9.21 11.34 11.47 (7.35) 20.53 11.20 0.47 6.72 8.67 8.33 5.79 9.46 3.19 5.97 7.33 3.48 6.61 8.58 10.29 16.18 4.48 7.02 15.33 11.96 0.16 10.90

NPA/ Total Assets

(%) 0.07 0.88 0.83 1.37 0.03 0.75 0.31 0.22 1.07 0.62 2.53 0.31 0.89 0.20 3.13 0.70 1.19 0.79 0.56 0.76 0.16 0.34 0.00 0.72 1.88 0.07 0.05 0.00 0.23 0.17 0.60 0.18 0.31 0.62 0.61 0.92 0.82 0.43 1.13 0.73 2.51 0.09 0.56 2.71 1.64 4.66 0.88 0.18 0.33 0.00 0.70 2.55 0.34 0.90 2.79 3.66 0.88 0.47 1.34 0.11 0.35 1.04 0.18 0.33 1.05 1.84 0.72 0.93

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2021. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

Rank Institution 69 First National Bank of Griffin 70 First National Community Bank 71 First Peoples Bank 72 First Port City Bank 73 First Southern Bank 74 First St. Bank, Randolph County 75 First State Bank 76 First State Bank of Blakely 77 Flint Community Bank 78 FNB of Coffee County 79 FNB of Decatur County 80 FNB of Waynesboro 81 FNB South 82 Four County Bank 83 Geo. D. Warthen Bank 84 Georgia Banking Company 85 Georgia Community Bank 86 Georgia Primary Bank 87 Glennville Bank 88 Great Oaks Bank 89 Greater Community Bank 90 Guardian Bank 91 Heritage First Bank 92 Heritage Southeast Bank 93 Legacy State Bank 94 Liberty First Bank 95 Loyal Trust Bank 96 Magnolia State Bank 97 Merchants & Citizens Bank 98 Metro City Bank 99 Morris Bank 100 Mount Vernon Bank 101 North Georgia National Bank 102 Northeast Georgia Bank 103 Oconee State Bank 104 One South Bank 105 Peach State Bank & Trust 106 Peoples Bank 107 Peoples Bank 108 Peoples Bank 109 Peoples Bank & Trust 110 Peoples Bank of Georgia 111 PeoplesSouth Bank 112 Persons Banking Company 113 Piedmont Bank 114 Pineland Bank 115 Pinnacle Bank 116 Planters and Citizens Bank 117 Planters First Bank 118 PrimeSouth Bank 119 PromiseOne Bank 120 Quantum National Bank 121 Queensborough National B&T 122 Rabun County Bank 123 River City Bank 124 Rochelle State Bank 125 Security State Bank 126 Signature Bank of Georgia 127 South Coast Bank & Trust 128 South Georgia Bank 129 South Georgia Banking Co. 130 SouthCrest Bank, N.A. 131 Southeast First National Bank 132 Southeastern Bank 133 Southern Bank 134 State Bank of Cochran 135 SunMark Community Bank 136 Synovus Bank

ALPHABETICAL

Charter

City

Year Est. Type

Griffin

1933 Fed-Bank

Chatsworth 1975 Fed-Bank

Pine Mountain 1990 ST-Bank

Bainbridge 1974 ST-Bank

Patterson

1907 ST-Bank

Cuthbert

1900 ST-Bank

Wrens

1964 ST-Bank

Blakely

1903 ST-Bank

Albany

2006 ST-Bank

Douglas

1991 Fed-Bank

Bainbridge 2004 Fed-Bank

Waynesboro 1905 Fed-Bank

Alma

1951 ST-Bank

Allentown 1941 ST-Bank

Sandersville 1871 ST-Bank

Sandy Springs 2001 ST-Bank

Dawson

1936 ST-Bank

Atlanta

2007 ST-Bank

Glennville

1905 ST-Bank

Eastman

1934 ST-Bank

Rome

1996 ST-Bank

Valdosta

2001 ST-Bank

Rome

1904 ST-Bank

Jonesboro 1955 ST-Bank

Loganville

2005 ST-Bank

Monroe

2006 ST-Bank

Johns Creek 2019 ST-Bank

Eastman

1909 ST-Bank

McRae

1929 ST-Bank

Doraville

2006 ST-Bank

Dublin

1954 ST-Bank

Mount Vernon 1901 ST-Bank

Calhoun

1999 Fed-Bank

Lavonia

1906 ST-Bank

Watkinsville 1960 ST-Bank

Blakely

1939 ST-Bank

Gainesville 2005 ST-Bank

Lyons

1935 ST-Bank

Willacoochee 1948 ST-Bank

Eatonton

1943 ST-Bank

Buford

1984 ST-Bank

Talbotton

1891 ST-Bank

Colquitt

1973 ST-Bank

Forsyth

1910 ST-Bank

Peachtree Corne2rs006 ST-Bank

Alma

1939 ST-Bank

Elberton

1934 ST-Bank

Camilla

1913 ST-Bank

Cordele

1896 ST-Bank

Waycross

1891 ST-Bank

Duluth

2008 ST-Bank

Suwanee

1995 Fed-Bank

Louisville

1902 Fed-Bank

Clayton

1975 ST-Bank

Rome

2006 ST-Bank

Rochelle

1947 ST-Bank

McRae

1950 ST-Bank

Sandy Springs 2005 ST-Bank

Brunswick 1934 ST-Bank

Glennville

1987 ST-Bank

Tifton

1937 ST-Bank

Atlanta

1920 Fed-Bank

Summerville 1968 Fed-Bank

Darien

1889 ST-Bank

Sardis

1945 ST-Bank

Cochran

1922 ST-Bank

Hawkinsville 1949 ST-Bank

Columbus

1888 ST-Bank

Corp. Type C-corp C-corp C-corp C-corp C-corp S-corp C-corp C-corp S-corp S-corp C-corp C-corp C-corp S-corp C-corp C-corp S-corp C-corp C-corp S-corp S-corp S-corp S-corp C-corp C-corp S-corp C-corp S-corp C-corp C-corp C-corp S-corp C-corp S-corp C-corp S-corp C-corp C-corp S-corp C-corp C-corp C-corp C-corp S-corp C-corp C-corp C-corp C-corp S-corp C-corp S-corp S-corp C-corp C-corp C-corp C-corp S-corp C-corp S-corp S-corp C-corp C-corp C-corp C-corp C-corp S-corp S-corp C-corp

Total Equity /

Assets Assets

Parent

($000)

(%)

353,181 7.22

First Chatsworth Bankshares, Inc.

350,756 11.60

First Peoples Bankshares, Inc.

230,631 8.32

Port City Holding Company, Inc.

328,116 7.40

241,956 7.97

94,704 7.89

CSRA Bank Corp.

258,921 7.72

First State Bancshares of Blakely, Inc.

546,732 15.43

Flint Community Bancshares, Inc.

286,577 8.18

FNC Bancorp, Inc.

337,811 7.98

Bainbridge Bancshares, Inc.

223,672 8.14

First Burke Banking Company

186,221 14.89

First Bank Shares of the South East, Inc. 469,700 15.13

Four County Bancshares, Inc.

80,458 13.03

219,685 8.40

Georgia Banking Company, Inc.

640,937 16.67

Georgia Community Bancorp, Incorporated 398,895 10.74

279,918 8.68

GB Bank Group, Inc.

324,449 10.34

Great Oaks Financial Holdings Inc

251,228 7.27

Greater Community Bancshares, Inc.

288,451 9.37

WB&T Bankshares, Inc.

485,299 10.45

Heritage First Bancshares, Inc.

191,676 9.01

Heritage Southeast Bancorporation Inc. 1,645,325 11.22

139,009 9.68

182,628 7.79

105,068 21.26

Magnolia Bankshares, Inc.

195,641 10.68

123,437 15.82

MetroCity Bankshares, Inc.

2,158,968 11.11

Morris State Bancshares, Inc.

1,339,146 11.36

Heart of Georgia Bancshares, Inc.

158,944 10.02

North Georgia Community Financial Partners,1I7n3c,.348 8.82

First Security Bankshares, Inc.

576,538 9.33

Oconee Financial Corporation

515,938 8.45

One South Financial, Inc.

162,555 10.22

Peach State Bancshares, Inc.

458,698 9.60

South Georgia Bankshares Corporation 144,050 8.01

Atkinson County Bankshares Corporation 98,595 10.98

Peoples Bankshares, Inc.

182,949 11.21

Peoples Banktrust, Inc.

413,679 10.14

118,351 9.42

PeoplesSouth Bancshares, Inc.

964,746 8.33

Persons Banking Co., Inc.

403,362 5.79

Piedmont Bancorp, Inc.

1,621,581 10.23

South Banking Company

363,743 9.37

Pinnacle Financial Corporation

1,607,863 9.80

P & C Bank Shares, Inc.

126,481 9.71

Planters First Bancorp

379,914 9.07

Jones Bancshares, L.P.

927,247 9.44

PromiseOne Bancorp, Inc.

544,796 11.17

Quantum Capital Corp.

638,118 9.81

The Queensborough Company

1,716,321 8.30

Liberty Bancorp of Georgia, Inc.

236,319 10.88

RCB Financial Corporation

198,276 10.22

34,334 13.55

Farmers Bancshares, Inc.

57,585 13.10

198,811 10.43

WB&T Bankshares, Inc.

186,912 8.20

South Group Bancshares, Inc.

197,922 11.34

South Georgia Bank Holding Company

557,316 12.08

SouthCrest Financial Group, Inc.

704,724 8.82

Summerville/Trion Bancshares, Inc.

73,913 9.86

Southeastern Banking Corporation

564,932 10.14

Southern Financial Corporation

103,403 9.08

Central Georgia Banking Company

251,492 12.95

SunMark Bancshares, Inc.

377,494 9.39

Synovus Financial Corp.

55,099,459 9.43

AfterTax

ROAA (%)

0.84 1.47 0.91 0.81 1.41 0.34 1.58 0.94 1.36 0.97 0.72 1.30 2.13 1.36 0.72 0.37 0.88 0.95 1.15 0.77 1.08 1.14 0.67 0.57 1.23 0.80 (2.51) 0.81 0.36 2.24 1.78 0.99 0.60 0.79 0.61 0.50 0.80 1.05 0.39 (0.22) 1.05 0.92 1.18 0.35 1.32 0.85 1.15 0.53 0.64 1.05 1.70 2.23 0.94 0.85 0.74 0.19 0.80 1.01 0.94 1.59 0.92 1.14 0.63 1.30 (0.81) 1.31 1.28 1.02

AfterTax

ROAE (%)

10.68 12.16 10.25 10.86 15.25

3.62 19.07

6.32 17.22 10.90

8.22 8.09 14.17 9.65 8.16 4.41 7.59 11.04 10.28 9.28 12.19 10.27 6.69 4.85 12.62 8.36 (7.30) 7.30 2.10 17.92 14.60 9.03 5.83 7.52 7.26 4.87 9.52 12.97 3.14 (1.75) 9.60 9.37 13.37 5.43 12.80 8.72 11.29 5.02 7.08 10.70 14.90 22.16 10.95 7.15 6.55 1.24 5.05 9.46 10.58 13.34 7.00 11.29 4.91 11.78 (7.53) 8.89 12.71 10.26

NPA/ Total Assets

(%) 0.14 1.75 0.46 0.09 0.91 1.75 0.44 1.47 1.36 0.36 0.46 0.13 1.12 0.26 1.72 0.52 2.14 0.04 0.36 0.18 0.05 1.45 0.62 0.60 0.91 0.60 0.00 2.59 0.06 0.73 1.13 0.30 0.51 0.38 1.16 0.91 0.00 0.49 0.72 0.78 0.40 0.60 1.03 1.04 0.31 1.24 0.21 0.52 1.01 1.03 2.03 0.00 1.35 0.48 1.45 1.09 0.03 2.99 1.50 0.00 0.23 0.46 0.17 0.26 1.05 2.91 0.16 0.56

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2021. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

Rank Institution 137 Synovus Trust Co, NA 138 Talbot State Bank 139 Tandem Bank 140 TC Federal Bank 141 The Bank of Soperton 142 Thomasville National Bank 143 Touchmark National Bank 144 Trust Bank 145 United Bank 146 United Community Bank 147 United National Bank 148 Vidalia Federal Savings Bank 149 Vinings Bank 150 Waycross Bank & Trust 151 West Central Georgia Bank 152 Wheeler County State Bank 153 Wilcox County State Bank 154 Wilkinson County Bank

ALPHABETICAL

City Columbus Woodland Tucker Thomasville Soperton Thomasville Alpharetta Lenox Zebulon Blairsville Cairo Vidalia Smyrna Waycross Thomaston Alamo Abbeville Irwinton

Charter Corp.

Year Est. Type

Type

1995 Fed-Bank C-corp

1907 ST-Bank S-corp

2019 ST-Bank C-corp

1934 Fed-Thrift C-corp

1903 ST-Bank S-corp

1995 Fed-Bank C-corp

2008 Fed-Bank C-corp

1906 ST-Bank S-corp

1905 ST-Bank S-corp

1950 ST-Bank C-corp

2000 Fed-Bank C-corp

1936 Fed-Thrift C-corp

2007 ST-Bank C-corp

1988 ST-Bank S-corp

1974 ST-Bank C-corp

1934 ST-Bank S-corp

1952 ST-Bank C-corp

1907 ST-Bank C-corp

Parent Synovus Financial Corp. TSB Bancorp, Inc.

Soperton Bancshares, Incorporated Thomasville Bancshares, Inc. Touchmark Bancshares, Inc. Trust Holding Company, Inc. United Bank Corporation United Community Banks, Inc.

Vinings Bancshares, Inc. WB&T Bankshares, Inc. WCG Bancshares, Inc. Wheeler Bancshares, Inc. WCSB Holding Company, Inc.

MEDIAN AVERAGE HIGH LOW

After-

Total Equity / Tax

Assets Assets ROAA

($000)

(%) (%)

110,648 97.64 10.60

61,007 11.53 (0.27)

108,770 16.87 (0.82)

363,623 11.14 0.24

114,913 9.36 1.28

1,254,987 8.66 1.71

419,943 12.33 1.28

45,107 9.99 1.24

2,048,133 8.66 1.56

18,513,139 10.69 1.30

267,046 13.10 1.30

214,378 14.72 (0.31)

790,477 5.27 1.59

218,978 10.15 1.12

145,756 24.11 1.03

117,887 14.19 0.63

142,009 9.46 1.04

58,997 14.74 0.49

236,462 10.14 0.96

1,116,984 11.78 1.04

55,099,459 97.64 14.64

26,354 2.36 (4.64)

AfterTax

ROAE (%)

11.00 (2.19) (3.77) 2.02 13.24 19.45 11.05 11.80 15.91 11.37 9.27 (2.02) 25.36 10.69 3.99 4.11 9.99 2.94 9.24 8.78 37.10 (15.47)

NPA/ Total Assets

(%) 0.00 1.82 0.00 0.60 0.32 0.11 0.99 2.86 0.36 0.53 2.16 0.44 0.24 0.19 0.00 0.26 1.34 0.77 0.60 0.83 4.66 0.00

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2021. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

TOTAL ASSETS

Rank Institution 1 Synovus Bank 2 Ameris Bank 3 Cadence Bank, N.A. 4 United Community Bank 5 Atlantic Capital Bank, NA 6 Metro City Bank 7 United Bank 8 Colony Bank 9 Queensborough National B&T 10 Heritage Southeast Bank 11 Piedmont Bank 12 Pinnacle Bank 13 Morris Bank 14 Thomasville National Bank 15 BankSouth 16 PeoplesSouth Bank 17 PrimeSouth Bank 18 First IC Bank 19 First American B&T 20 Affinity Bank 21 Vinings Bank 22 SouthCrest Bank, N.A. 23 Georgia Banking Company 24 Quantum National Bank 25 Farmers & Merchants Bank 26 Citizens Trust Bank 27 Northeast Georgia Bank 28 Southeastern Bank 29 South Georgia Banking Co. 30 First State Bank of Blakely 31 PromiseOne Bank 32 Oconee State Bank 33 First Chatham Bank 34 First Bank 35 Guardian Bank 36 Comm. Bank of Pickens County 37 FNB South 38 Peach State Bank & Trust 39 Citizens Bank of Georgia 40 Touchmark National Bank 41 Peoples Bank & Trust 42 First Century Bank, NA 43 American Commerce Bank 44 Citizens Bank of Americus 45 Persons Banking Company 46 Georgia Community Bank 47 Planters First Bank 48 SunMark Community Bank 49 Pineland Bank 50 TC Federal Bank 51 First National Bank of Griffin 52 First National Community Bank 53 Bank of Madison 54 Commercial Bank 55 Century Bank & Trust 56 FNB of Coffee County 57 Bank of LaFayette, Georgia 58 F&M Bank 59 First Port City Bank 60 Glennville Bank 61 CIBC National Trust Company 62 Exchange Bank 63 Commercial Banking Company 64 Citizens Bank of The South 65 Century Bank of Georgia 66 Greater Community Bank 67 Flint Community Bank 68 Bank of Dudley 69 Georgia Primary Bank

City Columbus Atlanta Atlanta Blairsville Atlanta Doraville Zebulon Fitzgerald Louisville Jonesboro Peachtree Corners Elberton Dublin Thomasville Greensboro Colquitt Waycross Doraville Athens Covington Smyrna Atlanta Sandy Springs Suwanee Lakeland Atlanta Lavonia Darien Tifton Blakely Duluth Watkinsville Savannah Dalton Valdosta Jasper Alma Gainesville Cumming Alpharetta Buford Commerce Bremen Americus Forsyth Dawson Cordele Hawkinsville Alma Thomasville Griffin Chatsworth Madison Crawford Milledgeville Douglas Lafayette Washington Bainbridge Glennville Atlanta Milledgeville Valdosta Sandersville Cartersville Rome Albany Dublin Atlanta

Total

Tier 1

Assets / Assets / Deposits /

Total Loans Deposits Total Equity Leverage No. of No. of Employee Office

Office

($000)

($000)

($000) Ratio (%) Offices Employees ($000) ($000) ($000)

39,798,988 47,849,339 5,198,289

8.85 286 4,849 11,363 192,655 167,305

16,109,333 18,032,259 2,958,170 10.58 172 2,691 7,929 124,058 104,839

12,412,030 16,313,834 2,108,040 10.99 101 1,795 10,469 186,055 161,523

11,843,523 16,320,570 1,978,293

9.13 154 2,391 7,743 120,215 105,978

2,302,661 3,288,988 402,261 10.18

3

209 17,855 1,243,892 1,096,329

1,871,813 1,792,758 239,793 11.45 19

214 10,089 113,630 94,356

749,914 1,866,430 177,420

8.69 18

400 5,120 113,785 103,691

1,091,204 1,533,860 170,859

9.05 24

365 4,920 74,831 63,911

1,015,764 1,547,352 142,374

8.30 24

323 5,314 71,513 64,473

1,082,452 1,438,753 184,590

9.10 22

278 5,918 74,788 65,398

1,155,375 1,426,805 165,963

9.71 12

166 9,769 135,132 118,900

1,071,313 1,432,153 157,513

8.54 22

283 5,681 73,085 65,098

853,412 1,179,800 152,146 10.84 10

184 7,278 133,915 117,980

1,052,955 1,085,807 108,733

8.47

4

131 9,580 313,747 271,452

853,214 939,955 102,049 10.14

6

355 3,063 181,243 156,659

615,160 881,279

80,381

9.00 30

191 5,051 32,158 29,376

699,990 835,262

87,500

9.02

8

142 6,530 115,906 104,408

591,725 719,208

87,764 10.94 10

109 7,450 81,203 71,921

430,636 671,773

69,628

9.50

7

103 7,767 114,285 95,968

626,180 649,948

97,396 10.09

3

83 9,619 266,134 216,649

381,956 526,274

41,647

7.16

2

46 17,184 395,239 263,137

314,118 607,700

62,140

8.33

9

99 7,118 78,303 67,522

536,255 525,830 106,847 17.58

2

106 6,047 320,469 262,915

542,179 572,724

62,631 10.19

3

64 9,971 212,706 190,908

400,461 563,663

34,258

5.51

6

118 5,163 101,538 93,944

295,940 541,801

50,662

8.50

7

86 6,991 85,894 77,400

246,056 512,461

53,804 10.07 11

97 5,944 52,413 46,587

271,547 506,178

57,267 10.36 10

108 5,231 56,493 50,618

283,216 488,357

67,348 10.62

9

114 4,889 61,924 54,262

355,828 438,704

84,363 15.38

8

97 5,636 68,342 54,838

388,795 482,575

60,843 11.82

7

86 6,335 77,828 68,939

340,376 470,660

43,615

8.56

5

86 5,999 103,188 94,132

295,983 452,812

43,431

8.43

7

95 5,227 70,941 64,687

342,724 442,105

45,611 10.11

6

79 6,192 81,522 73,684

301,057 433,406

50,691 10.58

5

57 8,514 97,060 86,681

318,423 419,844

50,040 11.09

2

56 8,494 237,843 209,922

330,148 395,623

71,078 15.33

4

82 5,728 117,425 98,906

275,093 405,361

44,052 10.80

1

66 6,950 458,698 405,361

240,265 398,880

41,771

9.67

4

56 7,887 110,422 99,720

373,720 356,555

51,759 12.16

1

24 17,498 419,943 356,555

153,189 370,399

41,947 10.15

1

52 7,955 413,679 370,399

74,396 328,498

71,910 11.81

2

63 6,505 204,908 164,249

325,869 339,827

47,026 11.90

3

47 8,645 135,433 113,276

186,442 362,421

34,478

8.67

3

47 8,618 135,015 120,807

196,501 379,650

23,335

5.97

5

75 5,378 80,672 75,930

214,132 351,719

42,858 10.77

8

76 5,249 49,862 43,965

258,515 343,849

34,446

8.98

8

85 4,470 47,489 42,981

261,728 336,903

35,452

9.50

6

82 4,604 62,916 56,151

242,867 327,321

34,081

9.78

8

96 3,789 45,468 40,915

258,806 308,040

40,506 11.48

2

53 6,861 181,812 154,020

115,621 312,268

25,497

7.04

7

79 4,471 50,454 44,610

231,804 309,511

40,695 11.48

7

68 5,158 50,108 44,216

218,512 311,155

33,311 10.24

4

59 5,878 86,706 77,789

243,872 314,997

27,004

8.20

5

48 7,169 68,821 62,999

158,521 307,204

31,426 10.18

2

47 7,234 169,995 153,602

175,235 309,401

26,951

8.55

4

52 6,496 84,453 77,350

104,663 296,497

32,344 10.95

3

59 5,632 110,758 98,832

178,602 272,744

49,349 14.89

6

64 5,188 55,343 45,457

227,251 296,577

24,289

7.77

5

62 5,292 65,623 59,315

168,835 289,765

33,543 10.27

7

64 5,070 46,350 41,395

0

512 213,242 60.25 15

232 1,395 21,583

34

171,167 283,885

37,504 12.08

5

71 4,538 64,437 56,777

185,031 280,065

36,539 12.19

5

63 5,080 64,010 56,013

200,523 280,241

31,669 10.63

4

63 4,960 78,116 70,060

136,288 271,068

23,408

8.41

2

31 9,555 148,100 135,534

209,892 249,590

27,033

9.59

4

52 5,547 72,113 62,398

244,542 245,908

23,432

8.40

1

40 7,164 286,577 245,908

175,258 254,639

30,983 11.70

5

65 4,396 57,149 50,928

215,471 228,797

24,288

9.68

2

35 7,998 139,959 114,399

Total Assets ($000)

55,099,459 21,337,979 18,791,544 18,513,139

3,731,675 2,158,968 2,048,133 1,795,938 1,716,321 1,645,325 1,621,581 1,607,863 1,339,146 1,254,987 1,087,459

964,746 927,247 812,031 799,997 798,401 790,477 704,724 640,937 638,118 609,228 601,255 576,538 564,932 557,316 546,732 544,796 515,938 496,584 489,132 485,299 475,685 469,700 458,698 441,688 419,943 413,679 409,815 406,300 405,046 403,362 398,895 379,914 377,494 363,743 363,623 353,181 350,756 346,824 344,106 339,990 337,811 332,273 332,058 328,116 324,449 323,741 322,185 320,052 312,463 296,200 288,451 286,577 285,746 279,918

GEORGIA BANKING ALMANAC Data as of and for 12 months ended Mar. 31, 2021. This report does not constitute an opinion as to the financial condition of any institution.

PW&Co

 ................
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